Few would be surprised to hear that clicking on pop-up ads or opening emails from unfamiliar sources increases your risk of getting ripped off. But the AARP report, based on a survey of more than 11,000 adults nationwide, also identified some less obvious risk factors.

It's that time of year when many of us give generously to charitable organizations. But how do we know where the money is really going? In some cases, more money goes into the pockets of professional fundraisers than to the charity itself.

You can find out how your dollars are being spent at the Washington Secretary of State's office. Just type in the organization's name, click the search button and you can see what percentage of dollars goes to charitable services...and how much goes to pay for fundraising.